Ryth - Gen Z Is Actually Going Bankrupt.

Episode Date: November 23, 2025

Gen Z Is Actually Going Bankrupt.

My favorite hobby is spending money. God. Nothing brings me more joy in life than going and spending money. Dude, you guys are actually going to single-handedly ruin your bloodline. It is people like you that will spend so much money and not consider your family or yourself. And they're going to have to be the ones to pick up your poor financial decisions. You guys are absolute fucking pond scum. All right, people, what's up?

Gen Z is actually going bankrupt. Now, audience, I know that I'm talking about Gen Z, but I'm here mainly to talk about Gen Z women. And maybe a couple millennials, but mainly Gen Z. There is a huge fucking problem with credit card debt and financial spending. I'm sure the majority of people in the audience understand the importance of money. I'm not here to talk about 401ks or stocks or any of that shit, but I'm pretty sure that all of us here today will agree that you should not spend

more than what you earn. And today, these people have absolutely no idea what the fuck that means. Let's begin. My favorite hobby is spending money. Oh my God. Nothing brings me more joy in life than going and spending money. I love it. Listen, I love spending money too. I absolutely love it, just like the next person. But lady, you seem like you have the type of obsession that you will spend money that you do not earn. Listen, if you're making a hundred, $100,000 a month and you want to go ball out at Louis Vuitton. By all means, go for it.

I dabble a little bit myself in the Louis Vuitton bags. But if you are so chronically obsessed with spending money that you are spending money that you never needed to spend in the first place, even if you're making a lot of money, you should still keep your habits in check. As for myself, audience, I'm doing pretty good financially. I'm doing around $50,000 a month. My daily expenses, you ask, a fucking latte from Starbucks, motherfucker. spend money on literally anything else. I just spend it on a fucking latte because I get to work with

macha. Sometimes you should have spending habits like me. At least in my case spending $7 on a latte, that's frugal, motherfucker. This is Groma. So I bought this purse for $38, which means it was $30. Round down, not up. Wow. So when you buy something, you round down and not up. Well, shit, dude, when I went to go buy my Toyota GR Supra and I bought it for 48 grand I technically bought it for $40,000 ladies and gentlemen not 50 grand dude with a mentality like that you can fucking ruin your life and guess what they're both looking at me like they're fucking Einstein wipe those smiles off your face I feel so fucking bad for the man that decides

to marry a girl with this mentality I would actually never propose and I mean that is your girl ma'am Like if I go shopping and then I don't buy anything My budget for the next time is doubled If you spend nothing the next time you can spend way more That has got to be the shittiest financial advice I've ever fucking heard When I go shopping audience and I don't see anything that I actually need Do I spend double the fucking money next time?

Hell no You know what happens when I go shopping and I don't buy anything Oops I guess nothing stood out to me today I guess I'm not buying nothing That's what you do. You don't double your fucking budget for next time. Dude, women fought for the longest time to be able to open their own bank accounts and be able to make financial decisions without a man's permission. And now that it's fucking here, it's like, what the fuck is this, man?

Now, granted, not all women are like this, ladies and gentlemen. Let me clarify that. I will be sure to make a part two about men's poor financial decisions as well. But seriously, guys, we need some restrictions on spending. Whether that's a card limit, whether their partner hides their fucking debit card from them after a certain amount of spending. I'm talking something, dude. This is crazy. They literally made afterpay for us girls. It's girl math.

We like, okay, so if I have to break this up, it's really like I'm not even paying for anything. You are actually a fucking dumbass. Yeah, dude, it's after pay. Let's just pay for the flat screen TV over the course of three years. Let's fucking do it. Oh, what's that 12% interest rate? Well, shit, now I'm spending. $1,360.

Fuck, man. You are not saving money. You are losing money. This isn't girl math. This is just being fucking stupid. I am a proud member of the afterpay community. In someone that has a raging shopping addiction, it just makes me feel better about all the money I'm constantly spending.

Let me ask you this, lady. Why do you think that it makes you feel so good as a raging shopping addiction connoisseur that after pay feels so satisfying for people like you? that you're a blonde, but I'm really going to ask you for your critical thinking here. Put yourself in the shoes of the people that invented afterpay. Why do you think they want you to pay $20 over the course of 10 fucking years over something like makeup? Because your short-term-minded, dumbass like you would actually look at this as you just spending

$20 a month. When over the course of a certain amount of time, that $20 piece of fucking lipstick actually costed $10,000. After pay is not for the girls. After pay is for fucking dumbasses. What I love about being a girl is you can do and say just about anything without an excuse or reason. Oh, here we fucking go with the I'm just a girl shit.

Listen, I know that so many girls find this shit absolutely hilarious to say literally everything about their lives. All I have to say is to try to I'm just a girl out of bankruptcy. Try to fucking do that one. It's not gonna look too fucking cute that time around. I can be bad at anything and say, I'm just a girl. You can go on a shopping spree after saying, you're gonna save money and say, I'm just a girl.

No argument or a real explanation needed. You could literally just say, you're a girl. Well, miss, I'm just a girl. I'm not gonna try and dictate your life. You seem pretty set in your fucking ways. But if you have really shitty spending habits, let's just go over the few things that'll limit you financially. You're gonna have very high minimum payments over time.

Most of your payment's gonna go to fucking interest. You're gonna struggle to qualify for new credit. Your emergency savings is gonna be fucking impossible. Your big financial goals, you're gonna have to put that off to the side. Your daily cash flow is gonna be completely restricted. And also, you're gonna be fucking depressed. Does that sound like freedom to you? I'm just a girl.

Yeah, fucking right. But I'm literally just a girl. Holy shit, ladies. Again with this, I'm just a girl shit. Doesn't fucking end. My God. Like some of the- Oh, shut the f-up. I will burn this table. I'm literally just a girl. Shut the f-up. What is literally just a girl? What, are you trying to tell me that women are like or something? That's not how it works. You think because, why, you think you're stupid?

Sometimes, yeah. But because you're a what? What are you talking about? I'm just a girl. I'm just, I, I, shut the fuck. Act like an adult. You're just an adult. You're just a parent. I don't want to be an adult dog Wait, wait, wait, wait, she's trying to I'm just a girl her way out of her financial decisions when she's a fucking mother I cannot fucking believe it, ladies and

gentlemen, Gen Z is actually fucking doomed, it's so over Listen, uh, Gen Alpha, if you're listening right now, please do not be like most of my generation If you're able to make $50,000 a month and the only thing you spend money on is a fucking latte, please just do that

Because this whole I'm just a gross shit This is terrible, guys Babe, I gave you a thousand dollars to deposit You said you needed to buy something I asked you how much you said Oh maybe like a hundred bucks I said okay cool just deposit the rest Nothing got deposited how much did you spend

I needed a hundred dollars so you had nine hundred dollars left Left over as change Dude if I was this guy right here I would turn off the recording I would beat the fuck out of her In Minecraft And then I would walk my happy ass into a jail with a big old smile on my fucking face. Listen, audience, $1,000 is $1,000. I don't give a fuck if it's one-fiftyth of my monthly.

If I tell you to deposit the remaining amount of money that you spend back into my account and you spend all of it, I'm getting the divorce papers. I'm sorry, it's fucking happening. Yes, it's over $1,000. You make me fucking sick. Let me know how it feels when they freeze your bank account, you fucking idiot. Subscribe if you would like a part to about poor. financial decisions. With that being said, I'll catch you guys. Later.